With a simple input of the annuitant's age, premium, state of residence
and the year in which they would like retirement income to begin, the
GLIB Calculator solves for the highest income payment. The software
calculates all the possible combinations of over 250 annuity products
combined with more than 100 riders to find the product and rider which
provides the highest income payout for that individual.

The calculations include increasing, inflation adjusted, joint, and
enhanced payout values. The GLIB Calculator's detailed reports include a
"Payout by Age" report which shows the impact of deferral before
commencing income payments. The "Detailed Ledger" report shows a
complete income scenario including how contract values are affected by
the associated cost of Lifetime Income Riders.

"This software is unique from every other income calculator in the
industry due to the large number of income riders, and with the detail
that only ARW can provide," says Mark Legan , President of
AnnuityRateWatch.com.

The GLIB Calculator can be found at annuityratewatch.com and is
available for license to Broker Dealers, Banks, Insurance Distributors,
Investment Advisors and Brokers.

About AnnuityRateWatch.com

Annuityratewatch.com was founded in 1995 with the purpose of collecting
annuity data, building analytical software, and providing a historical
database for annuity professionals. As an innovative leader in the
financial services industry ARW has created numerous software packages
for insurance carriers, wholesalers and brokers.

Contact:

Jon Legan
866-812-6800

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